2017 Chevrolet Spark Insurance Rates

Searching for better insurance prices for your Chevy Spark can normally be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the quickest way to get price quotes on a Chevy and find the best price possible.

If you are insured now or need new coverage, you will benefit by learning to cut your premiums and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers only need to know how to compare price quotes on the web.

Affordable insurance coverage rates with discounts

Some insurers don’t always list all available discounts very well, so the next list breaks down a few of the more common and the harder-to-find credits available to bring down your rates.

  • Low Mileage – Low mileage vehicles may enable drivers to earn better insurance coveragerates on cars that stay parked.
  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Data Collection Discounts – People who choose to allow driving data submission to scrutinize vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on one policy qualifies for this discount.
  • Clubs and Organizations – Joining qualifying employment or professional organizations could trigger savings when getting a insurance quote.
  • Government Employees – Simply working for the federal government may qualify for a discount when you quote insurance on Spark coverage but check with your company.
  • Online Discount – A few larger online companies will discount your bill up to fifty bucks simply for signing on their website.

You should keep in mind that some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Even though it appears all the discounts add up to a free policy, you aren’t that lucky. But any discount will positively reduce the cost of coverage.

Companies and some of their more popular discounts are:

  • State Farm policyholders can earn discounts including anti-theft, Drive Safe & Save, Steer Clear safe driver discount, good driver, and multiple policy.
  • Progressive may include discounts for good student, online signing, multi-policy, continuous coverage, and homeowner.
  • Travelers may offer discounts for payment discounts, IntelliDrive, good student, continuous insurance, new car, and early quote.
  • American Family offers discounts including defensive driver, multi-vehicle, mySafetyValet, air bags, accident-free, TimeAway discount, and good student.
  • Liberty Mutual offers discounts for teen driver discount, new move discount, new graduate, safety features, newly married, exclusive group savings, and preferred payment discount.

Before you buy a policy, ask each company which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area. To see a list of providers who offer discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether your personal situation may require specific advice.

  • When can my company non-renew my policy?
  • What is the rate difference between pleasure use and commuting?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is rental equipment covered for theft or damage?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance buyers beware

Consumers can’t ignore all the ads that claim the lowest rates by companies like Allstate and Progressive. They all seem to seem to make the promise that you can save if you get a free insurance quote and switch your policy.

How is it possible that every company can make almost identical claims? Just pay attention to how they say it.

All the different companies have specific criteria for the type of insured that earns them a profit. An example of this type of risk profile could possibly be over the age of 40, insures multiple vehicles, and drives newer vehicles. A customer that hits that “sweet spot” receive the lowest rate quotes and will also save money with a new company.

Potential customers who may not quite match the ideal profile will be charged higher prices which translates to business not being written. Company advertisements say “drivers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why insurance companies can make those statements. Because each company has a different risk profile, it is so important to get insurance quotes from several different companies. Because you never know with any certainty which company will have the best rates at this point in time.

Auto insurance coverage information

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for things like dental work, chiropractic care, EMT expenses and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Spark.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a deer, a broken windshield and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as emergency aid, medical services, medical expenses, bail bonds and funeral expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision insurance

Collision coverage pays for damage to your Spark from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

More quotes. Lower rates.

Consumers leave their current company for a variety of reasons including poor customer service, extreme rates for teen drivers, high prices or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

We covered a lot of tips how to get a better price on 2017 Chevy Spark insurance. The key thing to remember is the more you quote insurance, the better likelihood of getting affordable insurance. Consumers could even find that the most savings is with an unexpected company.

Lower-priced insurance is available on the web and from local agencies, so you should compare both to get a complete price analysis. Some companies may not offer price quotes online and most of the time these smaller providers sell through independent agents.

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